CLIMA CONSTRUCT
ActiveCLIMA CONSTRUCT has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €-130k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 35% of 4830 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-3
Solvency73▼-13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 2.52 against 1.8 in 2024), but 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
19 d early
2023
5 d early
2022
40 d early
2021
31 d early
2020
22 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-130k
2024 · €2k
2018: €-362k
2019: €2k
2020: €46k
2021: €-61k
2022: €24k
2023: €155k
2024: €2k
2018 → 2025
Working capital
€403k▲ 18.2%
2024 · €341k
2018: €140k
2019: €157k
2020: €301k
2021: €221k
2022: €213k
2023: €349k
2024: €341k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€194k▲ 14.1%€349k▲ 80.1%€351k▲ 0.6%€221k▼ 37.2%
Operating result€-51k-€34k€166k▲ 390%€13k▼ 92.3%€-115k
Net result€-61k-€24k€155k▲ 548%€2k▼ 98.7%€-130k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €115k after €13k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €687k
Fixed assets
€18k▲ 79.2%
Current assets
€669k▼ 12.7%
Equity and liabilities €687k
Equity
€221k▼ 37.2%
Debt
€466k▲ 9.6%
The debt ratio rises from 54.8% to 67.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-111k▼
2024 · €15k
Cash flow
€-126k▼
2024 · €4k
Solvency
32.1%▼
2024 · 45.2%
Current ratio
2.52▲
2024 · 1.80
Quick ratio
0.95▲
2024 · 0.61
Debt / equity
2.11▲
2024 · 1.21
ROE
-59.1%▼
2024 · 0.6%
ROA
-19.0%▼
2024 · 0.3%
Interest coverage
-7.27▼
2024 · 1.25
Debt
€466k▲
2024 · €425k
Debt ≤ 1 year
€266k▼
2024 · €425k
Debt > 1 year
€200k
Income taxes
€165▼
2024 · €309
Staff costs
€431k▼
2024 · €445k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€776k€687k▼
Fixed assets21/28€10k€18k▲
Tangible fixed assets22/27€10k€17k▲
Plant, machinery and equipment23€3k€6k▲
Furniture and vehicles24€2k€8k▲
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€235€435▲
Current assets29/58€766k€669k▼
Stocks and contracts in progress3€507k€418k▼
Stocks30/36€500k€411k▼
Contracts in progress37€8k€7k▼
Amounts receivable within one year40/41€232k€212k▼
Trade receivables40€196k€209k▲
Other amounts receivable41€36k€3k▼
Cash at bank and in hand54/58€24k€36k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€776k€687k▼
Equity10/15€351k€221k▼
Contributions10/11€174k€174k=
Capital10€174k€174k=
Issued capital100€174k€174k=
Reserves13€61k€47k▼
Non-distributable reserves130/1€17k€17k=
Legal reserve130€17k€17k=
Distributable reserves133€44k€29k▼
Profit (loss) carried forward14€116k-
Amounts payable17/49€425k€466k▲
Amounts payable after more than one year17-€200k
Financial debts170/4-€200k
Amounts payable within one year42/48€425k€266k▼
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€367k€215k▼
Suppliers440/4€367k€215k▼
Taxes, remuneration and social security45€51k€40k▼
Taxes450/3€11k€8k▼
Remuneration and social security454/9€39k€31k▼
Other amounts payable47/48€2k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€445k€431k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€462k€327k▼
Operating profit (loss)9901€13k€-115k▼
Financial income75/76B€2k€388▼
Recurring financial income75€2k€388▼
Financial charges65/66B€12k€15k▲
Recurring financial charges65€12k€15k▲
Profit (loss) for the period before taxes9903€2k€-130k▼
Income taxes67/77€309€165▼
Profit (loss) for the period9904€2k€-130k▼
Profit (loss) for the period to be appropriated9905€2k€-130k▼
Appropriation of the result
Profit (loss) to be appropriated9906€116k€-14k▼
Profit (loss) brought forward from the previous period14P€114k€116k▲
Transfer from equity791/2-€14k
Social balance
Average headcount (FTE)90876.56.0▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €155k ▲548%
Operating result €166k, net result €155k, both a record.
31-12
Financial
Equity above €200kEq €349k ▲80.1%
2 profitable years in a row build equity to €349k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €231k ▲25%
2 profitable years in a row build equity to €231k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wommelgem · 1 establishment unit since 1988
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Herentalsebaan 4442160 WommelgemGround area
4,949 m²
Building footprint
2,289 m²
Volume, LiDAR
13,023 m³
Parcel 11052A0326/00X000, Flanders · tallest building 13.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Herentalsebaan 444, 2160 Wommelgem
since 19882.032.391.312
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052A0326/00X000 | Flanders | 4,949 m² | 1 · 2,289 m² | 13.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 4,500 EUR awarded · 4,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 4,500 EUR |
| 2024 | 1 | 4,500 EUR | 0 EUR |
Schemes
Subsidies voor internationaal ondernemen
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Of 144 companies in sector 46647 we hold annual accounts for 91. 76 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-12-1987
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
46647Wholesale trade
46839Wholesale trade
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.